Internet Payment Gateway User Guide First Data Virtual Terminal

Internet Payment Gateway
User Guide
First Data Virtual Terminal
Version 1.3 (EMEA)

First Data Internet Payment Gateway
USER GUIDE
FIRST DATA VIRTUAL TERMINAL
VERSION 1.3 (EMEA)
Contents
1 Introduction 4
2 Processing Transactions 5
2.1 Transaction Terminology 5
2.2 Using Your Web Browser as a Virtual Point of Sale Machine 5
2.2.1 Choosing the transaction type 6
2.2.2 Processing Sale transactions 6
2.2.3 Selecting Products from your Product Catalogue 6
2.2.4 Order Information 7
2.2.5 Enter payment data for card transactions 8
2.2.6 Enter payment data for Direct Debit transactions 10
2.2.7 Shipping 10
2.2.8 Recurring Payments 10
2.2.9 Comments 11
2.2.10 Complete the Transaction 11
2.3 Processing subsequent transactions 12
2.3.1 Ticket Only (Post Auth) 12
2.3.2 Forced Ticket Transactions 12
2.3.3 Processing Returns 13
2.3.4 Crediting a Customer’s Credit Card 13
2.3.5 Voiding Orders 14
3 Reports 14
3.1 Viewing Transaction Charts 15
3.2 View Orders Report 16
3.2.1 Confirming Shipment, Crediting Orders, or Rejecting Orders 17
3.2.2 Viewing details 18
3.3 Order Detail Report 18
3.3.1 Viewing Transactions 19
3.3.2 Viewing details 19
3.4 Transactions Summary Report 20
4 Customising 21
4.1 Customising Virtual Terminal Content 21
4.2 Customising Your Receipts 22
4.3 Configuring your First Data Connect Settings 22
4.3.1 Order Submission Form URL 22
4.3.2 Confirmation Page URL 23
4.3.3 Failure Page URL 24
4.4 Customising the payment First Data Connect page design 24
5 Fraud Prevention Tools 25
5.1.1 Blocking Credit Card Numbers 26
5.1.2 Blocking Names 27
5.1.3 Blocking Domain Names 28
5.1.4 Blocking IP and Class C Addresses 29
5.1.5 Setting Maximum Purchase Limit 30
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5.1.6 Setting Auto Lockout and Duplicate 31
5.1.7 Card Security Code information 31
6 User Administration 33
6.1 Changing your own Password 33
6.2 Managing Users 34
Getting Support
There are different manuals available for the First Data Internet Payment Gateway. The First
Data Virtual Terminal manual will be the most helpful for Virtual Terminal issues, and does
contain some First Data Connect information as well. Refer to the Integration Guides for First
Data Connect and First Data API for integration instructions and issues.
If you have read the documentation and cannot find the answer to your question, please
contact your local support team.
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1 Introduction
First Data Virtual Terminal is an easy way for merchants to process monetary transactions
via the Internet by turning any PC into a POS terminal. At the same time it provides one
central, secure location where you can manage everything related to transaction processing:
• Run secure transactions yourself
• Set up your web site to run transactions for you
• Prevent fraud
• Review transaction reports
Process Transactions the Way You Want—from Anywhere
The First Data Virtual Terminal offers functions in a similar way to terminals commonly used
at retail stores. You simply enter the data needed for the transaction and go. It can even take
care of recurring transactions (if you sell subscription services, for example).
The terminal is completely customisable, allowing you to show only what you need to run
your business efficiently. Other than a small number of fields that are necessary for a
particular transaction type (e.g., credit card number, for a credit card transaction), you will be
able to select exactly what you want to appear on the page.
And because it runs via the Internet, you can log on from anywhere you can get Internet
access, giving you instant access to process orders from wherever you are.
Manage Your First Data Internet Gateway Account
The First Data Virtual Terminal allows you to manage everything from one place.
The Reports button brings up a separate browser window for you to view your transaction
reports, so you can see just how well your business is doing.
We include charts and graphs, helpful for business visualisation and presentations. You can
even view consolidated reports for multiple stores by setting up a multi-store reporting
structure. (A separate multi-store administrative account login is required for multi-store
reports. Contact support to get your initial multi-store admin login ID and password.)
The Admin section is where you turn to change your password, switch between live and test
mode, set your fraud settings, manage your users or set up your multi-store reporting
structure. (A separate multi-store administrative account login is required for multi-store
reports. Contact support to get your initial multi-store admin login ID and password.)
The Customisation section lets you customise your POS pages, turning it into a simple
retail swipe terminal, a mail-order/telephone-order system, a recurring transaction processor,
or your own custom terminal.
Access First Data Connect Administration and Customisation Functions
The First Data Virtual Terminal also allows you to access functions you need to set up and
customise your First Data Connect e-commerce store. You can access these functions via
the Customisation section.
To protect your account, we encourage you to log out of the First Data Virtual Terminal by
clicking on the Log Out button on the Main Menu bar when leaving your computer. You will
also be logged out automatically after a period of inactivity.
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2 Processing Transactions
2.1 Transaction Terminology
It is important to understand the terminology for processing transactions so that you use the
appropriate transaction type for your orders and returns.
• Sale - this is the most common transaction type which immediately charges a
customer’s credit card or bank account.
• Authorise Only - Reserves funds on a customer's credit card. Authorise Only does
not charge the card until you perform a Ticket Only transaction and/or confirm
shipment of the order (using an option available in Reports). Note that authorisation
reserves funds for varying periods, depending on the issuing credit card company's
policy. The period may be as little as three days or as long as several months. For
your protection we strongly suggest that you confirm shipment as soon as possible
after authorisation.
• Ticket Only – a post authorisation. Captures the funds from an Authorise Only
transaction, reserving funds on the customer’s card for the amount specified. Funds
are transferred when your batch of transactions is settled. If you enter a larger total in
the Post-Authorisation transaction than was specified for the Authorise Only
transaction, the Post-Authorisation transaction may be declined. If you enter a smaller
amount than was authorized, an adjustment is made to the Authorisation to reserve
only the smaller amount of funds on the customer’s card for the transaction.
• Forced Ticket - a forced post authorisation. This transaction type is used in a similar
way to a Ticket Only transaction, except it is specifically for authorisations you
obtained over the phone. It requires a reference number (or approval code) that you
should have received when you carried out the phone authorisation.
• Return - returns funds to a customer’s credit card against an existing order on the
First Data Internet Payment Gateway. To perform a return, you need the order
number (which you can find in your Reports). If you perform a Return of the full order
amount, the order will appear in your Reports with a transaction amount of 0.00. To
perform a Return transaction, use the Return page.
• Credit - returns funds to a customer’s credit card for orders from outside the First
Data Internet Payment Gateway. Use the Credit page to perform a Credit transaction.
Credit transactions are marked as Returns in your Reports.
• Void – Transactions can be voided before the batch of transactions is settled
No funds are transferred during any of these transactions; funds are transferred only after
your batch of transactions is settled (this is set up to occur automatically once a day).
2.2 Using Your Web Browser as a Virtual Point of Sale Machine
The Virtual Terminal is the main page you will use for all your Sale and Authorise Only as
well as Forced Ticket transactions.
Since some of the other types of credit card transactions (Ticket Only, and Return) need to
look in the database to get order information, they have their own pages. Credit is a special
transaction that not all users have access to, so it also has its own page.
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Some fields are optional whereas others are required, and they are distinguished from each
other by colour. A brief legend at the top of the page provides details.
A hide/reveal function is available for all sections of the page, which can expand to provide
additional options or fields - such items are identified by a right-arrow graphic. When clicked
upon, the arrow changes to point downward and the expanded choices are revealed.
Clicking again reverses the process.
Some page elements are mutually exclusive - for example, in the Pay By section. Where one
section has been selected and the option hidden again, the arrow indicates that fact with a
change in colour. Some sections are associated - for example, Make recurring is for credit
card sale transactions only.
2.2.1 Choosing the transaction type
Before you can start to enter transaction data, you need to choose the Virtual Terminal for
the desired payment type. Please select either an option from the Credit Card or the Direct
Debit section of the menu.
2.2.2 Processing Sale transactions
To do a Sale transaction, you will need to complete all the required fields from the following
sections. Then, fill in additional fields as appropriate for your transaction. Follow these steps
to perform a Sale transaction.
1. If using the product catalogue feature, select items from the Product Catalogue
2. Enter Order Information
3. Select Credit Card as the Payment Method
4. Enter Credit Card Information, select Transaction Type Sale
5. Fill out Customer Contact Information
6. Enter the Shipping Address (optional)
7. If needed, enter fields to make the transaction recurring
8. If in test mode, select the Desired Response
9. Enter Comments (optional)
10. Click on the Continue button
11. If there are data entry errors or any required fields are missing, the same page will
reappear with an error message at the top, and all incorrect/missing fields flagged with a
warning graphic. Make any necessary corrections, then click the Continue button again.
Once your page is error free, a Please Confirm page will appear.
12. Review the data, make corrections if needed by clicking on the Back button, then click
the Submit button. A Transaction Result page will appear.
13. Review the Results.
2.2.3 Selecting Products from your Product Catalogue
The First Data Virtual Terminal offers you the timesaving ability to choose items from your
product catalogue every time you process an order. To enable this feature, you first need to
enter your product catalogue into our database. Once you've done that, simply go to the First
Data Virtual Terminal page and click on the Select Products button to select products for this
order. The Product Catalogue page will appear.
Adding Products to the Order
The top half of the page is the Product Summary table, which lists all the products in your
product catalogue. To add products to the order in progress, simply enter the desired
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quantity of a particular product in the Qty (quantity) column. If there are any options for this
product, they will appear in the Options column of this table. Select the appropriate choices
by choosing one of the choices available in the dropdown box (e.g., colour: red, size: 5), then
click on the associated Add button in the last column.
The correct quantity, choices, product description, price, and total should appear in the
Selected Products table on the bottom half of the page.
Removing Products from the Order
If you have made an error in entering any of the product quantities or options, you can delete
the product(s) from the order very easily by checking the checkbox for that line item in the
Selected Products table, then clicking on the Delete Item(s) button located just below the
table. To delete all the products in the order, click on the checkbox at the top left corner of
the Selected Products table (this selects all the items in the order), then click on the Delete
Item(s) button.
Completing the Order Process
Once you've completed your product selections, return to the main First Data Virtual
Terminal page, where you can enter payment and contact information for this order. A table
should appear at the top of the page showing all the products selected for this order along
with the subtotal of the order. Click on the Update Subtotal button located just beneath this
table to copy the product subtotal into the Subtotal below. You can then enter the applicable
amounts for VAT and shipping and the Total Amount will be calculated automatically (unless
you have turned the auto-calculation feature off. To learn how to turn auto-calculation on or
off, see Customizing POS Content.)
If any of the product selections should change before you've submitted the order, you can
return to change your product selections by clicking on the Select Products button again.
2.2.4 Order Information
The Order Information section has only one required field: the total amount of the order
(including all taxes and shipping). Other fields in the section are optional and can be used at
your discretion. The colours for required and optional fields are shown at the top of the
screen.
You must fill out all required fields. To enter Order Information, follow the steps below.
Order Number (optional)
For regular credit card transactions, this field is optional. If you wish to assign an order
number to this order, enter one in the text box provided.
Each order number must be unique, so if you are going to use this field on a regular basis,
you should adopt an order number generation procedure. If you choose not to assign an
order number, the First Data system will automatically generate one for you.
Purchase Order Number (optional)
If there is a purchase order number associated with this order, enter it here. Because you
may have several transactions against the same purchase order, you may use the same
purchase order number for several transactions, if needed. For regular credit card
transactions, this field is optional.
Shipping Amount (optional)
If there are shipping charges associated with this order and if you wish to track your shipping
charges, enter a real or integer number equalling the charge for shipping this order.
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VAT (if applicable)
There may be cases where you are doing international business where you need to charge a
Value Added Tax (VAT), either in addition to or in lieu of the regular sales tax. If the Value
Added Tax applies to your order and if you need to charge the customer the VAT now, enter
the amount of the VAT in the VAT field. In some cases, you may not need to charge the VAT;
it will be taken care of when the goods are imported.
Total Amount (Required!)
As you enter Subtotal, Tax, and VAT, First Data Virtual Terminal will automatically calculate
the total amount for you. If you need to, you can replace this value with any real or integer
number representing the total amount of the transaction. The total amount should include
tax, VAT (if applicable), and shipping charges, and should reflect the sum of all charges for
this transaction. The total amount should always equal the sum of the product subtotal, tax,
shipping, and VAT.
This is a required field for ALL transactions.
Currency (Required!)
If your want to use another currency for this transaction then the displayed default currency,
you can change it using the drop-down box.
2.2.5 Enter payment data for card transactions
The Pay by Card section shows fields required for a card Sale, Authorise Only, or Forced
Ticket transaction.
A graphic for each supported card type (Visa, MasterCard, etc.) is shown.
Virtual Terminal: Card data input fields
To enter card information, follow the steps below:
Step 1: Select the card type
First, select the card type from the ‘Select card type’ dropdown box.
Step 2: Enter the Transaction Origin
Select the transaction origin from the ‘Transaction Origin’ dropdown box.
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• Select Retail (face to face) if the customer and the card are in your presence.
• Select Electronic Commerce (internet) if the order came to you over the world wide
web or via e-mail.
• If you received the order over the phone or through the mail, select Mail
Order/Telephone Order.
Transaction Origin is always a required field; you must make a selection.
Step 3: Enter the Transaction Type
Once you've selected the transaction origin, select the appropriate transaction type for your
credit card transaction in the Transaction Type dropdown box.
• Select Sale to charge the customer's card immediately (upon batch settlement)
• Authorise Only to reserve funds on the customer's card, but not complete the
transaction yet
• Forced Ticket to complete a voice authorisation transaction.
If you need to do any other type of transaction, you'll need to visit another page. To complete
an Authorise Only transaction, go to the Ticket Only page. To do a return, go to the Return or
the Credits page.
Transaction Type is always a required field, but if you do not make a selection, it defaults
to Sale.
Step 4: Are you swiping the card? If so, check the box.
For the Credit Card Number, you have two options: you can enter it manually or swipe it
through a reader attached to your computer. It is more secure to swipe it through the reader,
if the card is present, but that is not always possible. If the card is present and you have the
appropriate reader (configured correctly) click on the Yes checkbox. If you received the order
over the internet, through the mail, or over the telephone, you cannot swipe the card, so do
not check this box.
Step 5: Enter the Card Number or Swipe the Card
Enter the card number in the Card Number field. You may include spaces or dashes if you
wish.
If the card is present and you have the appropriate reader (configured correctly), place your
cursor in the Card Number field, then swipe the card through the reader. The Card Number
field should be automatically filled in for you. If it is, there is no need to enter any other data.
All other required fields (except transaction origin and transaction type) become optional
because all the customer's data is passed to us from this one entry.
If something should go wrong and this field does not fill in when you swipe the card, check
your reader to make sure it's configured correctly. If the reader is configured correctly and
you are still unable to swipe the card, the card may be unreadable. Go back to the previous
field (Are you swiping the card?), uncheck the Yes checkbox, and enter the card data
manually.
Step 6: Enter the Expiry Date
Select the card's Expiry Date from the dropdown boxes. Select the month first, then the year
that the card expires.
Step 7: Enter the Card Security Code (Optional)
The Card Security Code is a 3 or 4-digit number usually found on the back of the customer’s
credit card, on the same line as the customer’s signature, following the last four digits of the
credit card number. There are many different names for this code: Visa calls this code CVV2,
MasterCard calls it CVC2, American Express 4DBC.
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Step 8: Enter the Reference Number (Required only for Forced Ticket transactions)
If you are performing a Forced Ticket transaction, enter the reference number associated
with this transaction (typically given to you over the phone with the authorisation) in the
Reference Number box. The Reference Number field will not appear unless you have chosen
Forced Ticket as the transaction type.
Step 9: Continue to the Customer Contact Information section
Click on Customer Contact Information to expand the text, then enter the appropriate fields.
The Customer ID is a unique identification number you can choose for the customer.
2.2.6 Enter payment data for Direct Debit transactions
The Virtual Terminal for Direct Debit section shows fields for the customer’s account number
and bank code that are required for a Direct Debit transaction.
Virtual Terminal: Direct Debit input fields
2.2.7 Shipping
The entire Shipping section is optional by default. You do not have to enter any shipping
information to perform a transaction.
If the shipping address is the same as the billing address, checking the Yes checkbox will
cause the corresponding fields from the billing information to be copied into the shipping
section, saving you time and reducing the risk of error. If the addresses are different, then
enter the shipping address in the fields below.
If desired, enter the type of shipping you will use for this order. Up to 36 alphanumeric
characters are allowed in this field. Examples are Federal Express, UPS, etc.
2.2.8 Recurring Payments
This section allows you to make a credit card (Sale) transaction recurring . To make a
transaction recurring, click on the Make recurring? Yes checkbox.
Next enter how often you wish to charge the customer. In the Bill the customer fields, enter a
number from 1 to 999 with no decimal point and select day, week, month, or year in the
dropdown box. For example, if you wish to charge the customer once a year, enter the
number 1 and select "year" in the dropdown box. To charge the customer twice a year (once
every 6 months), you would enter the number 6 and select "month" in the dropdown box.
Select the month / day / year to start charging the customer in the Start on
dropdown boxes.
Enter the number of times to charge the customer in the End After textbox.
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Virtual Terminal: Recurring Payments input fields
Please see Reports section of this document for details about how to modify or cancel
Recurring Payments.
2.2.9 Comments
The expandable Comments section is not required by default. There is only one field in the
Comments section: Comments. It is intended to let you enter optional notes about the
transaction.
Comments are visible in your Reports, so they can help you with your transaction
management if you use them effectively.
2.2.10 Complete the Transaction
Two final options remain: Clear Form, which is self-explanatory, and Continue, which when
clicked, takes you to the next screen. When you click the Continue button, all your entries are
validated. If pieces of information are missing or incorrect, the First Data Virtual Terminal
page will reappear with an error message at the top and the incorrect or missing fields
flagged with an error graphic. If this should occur, make the appropriate corrections to the
fields, then click the Continue button again.
If there are no apparent invalid entries, a review of all the information you entered with a
request for confirmation will appear. Review the information and, if necessary, click on Back
and make any corrections. Otherwise, click on Submit.
The Transaction Result screen will appear. The result screen will contain all the information
you entered, plus an extra section at the top called Transaction Information.
For retail merchants who need a receipt for the customer to sign, there is a print receipt
function. Simply click on the Show Receipt button at the bottom of the Transaction Result
page. A new browser window will open with a transaction receipt. Click on the Print Receipt
button at the bottom of the Receipt page to print the receipt. Once you have printed all the
receipts you need, close the receipt window by clicking on the Close button at the bottom or
on the X in the top right hand corner of the Receipt window.
The Transaction Information section is where you will see whether the transaction was
approved or declined. If the transaction was approved, the Transaction Status line will say
Approved. The Date and time of transaction, a Transaction reference number, an Approval
code, and a Reference number will follow.
If the transaction was declined, a reason for the decline will show on the Approval Code
line.
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2.3 Processing subsequent transactions
2.3.1 Ticket Only (Post Auth)
After you run an Authorise Only transaction, you need to complete it. Running an Authorise
Only transaction tells you whether the customer has sufficient funds on the card for your
order, but it may or may not reserve any funds for you. To reserve the funds, you must either
mark the order as "shipped" (via your Reports) or perform a Ticket Only transaction. A Ticket
Only transaction is sometimes referred to as a post authorisation.
1. To perform a Ticket Only transaction, go to the Ticket Only page
2. The first Ticket Only page simply asks for the order number. This is the order number
associated with your Authorise Only transaction. (If you don’t know your order number, you
can find it in your Reports.) Enter the order number then click on the Retrieve Order button.
3. A new page will appear with several pre-filled input fields related to the order. Review
these fields to ensure you have selected the correct order. (You may have to expand some
of the sections at the bottom of the page to see all the fields you need to see.) If this isn’t the
right order, click on the Back button on your browser and enter the correct order number to
retrieve. If it is the right order, make any changes you need to make to the input fields, then
click on the Continue button.
4. Once you click the Continue button, if all entries in the form were valid, another page will
appear asking you to confirm the information. If everything is okay, click on the Submit
button; otherwise, click on the Back button to make the appropriate changes. (If any fields
are missing or incorrect, the Ticket Only page will reappear with an error message at the top
and the incorrect/missing fields flagged with a warning graphic. Make the appropriate
changes then click the Continue button again. A Please Confirm page should appear.
5. Review the information, then click the Submit button. A final Transaction Results page will
appear, indicating whether the transaction was approved or declined and reiterating all the
transaction information.
2.3.2 Forced Ticket Transactions
Use a Forced Ticket transaction to complete the Sale for an authorisation you received over
the phone.
To process a Forced Ticket transaction, go to the First Data Virtual Terminal page. This is
the same page you use to process credit card Sale, or Authorise Only transactions.
To do a Forced Ticket transaction, complete all the required fields from the following
sections. Then fill in additional fields as appropriate for your transaction. Follow these steps
to perform the transaction:
1. If using the product catalogue feature, select items from the Product Catalogue
2. Enter Order Information
3. Select Credit Card as the Payment Method
4. Enter Credit Card Information, select Transaction Type Forced Ticket: a Reference
number field will appear. Enter the reference number (the authorisation code you received
over the phone)
5. Fill out Customer Contact Information
6. Enter the Shipping Address (optional)
7. If in test mode, select the Desired Response
8. Enter Comments (optional)
9. Click on the Continue button
10. If there are data entry errors or any required fields are missing, the same page will
reappear with an error message at the top, and all incorrect/missing fields flagged with a
warning graphic. Make any necessary corrections, then click the Continue button again.
Once your page is error free, a Please Confirm page will appear.
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11. Review the data, make corrections if needed by clicking the Back button, then click the
Submit button. A Transaction Result page will appear.
12. Review the Results.
2.3.3 Processing Returns
Should a customer return something associated with an order, you can credit their card for
the amount of the return using a Return transaction.
1. To do a Return, first go to the Return page. A page will appear, with a field for the order
number. If you don’t know your order number, you can find it in your Reports.
2. Once you’ve located the order number, enter it in the input box, then click on the Retrieve
Order button. A page will appear showing all the existing information from that order.
3. Review these fields to ensure you have selected the correct order. (You may have to
expand some of the sections at the bottom of the page to see all the fields you need to see.)
If this isn’t the right order, click on your browser's Back button to return to the previous page
and retrieve an alternate order.
4. If this is the correct order, enter the amount to return in the appropriate fields. By default,
the fields will be pre-filled with the total amount available to be returned. If your return
amount is less than the order total, make corrections as appropriate.
5. Once you’ve finished with the Order fields, change any other fields related to Customer
Contact Information, Payment Information, or Comments, then click the Continue button.
6. Once you click the Continue button, if all entries in the form were valid, another page will
appear asking you to confirm the information.
7. If everything is okay, click on the Submit button; otherwise, click on the Back button to
make the appropriate changes. (If any fields are missing or incorrect, the Return page will
reappear with an error message at the top and the incorrect/missing fields flagged with an
error graphic. Make the appropriate changes then click the Continue button again. A
confirmation page should appear. Review the information, then click the Submit button.
8. A final Transaction Results page will appear, indicating whether the transaction was
approved or declined and reiterating all the transaction information. As you enter values in
the Return subtotal, Return Tax or VAT, and Return Shipping Amount fields, the Total
amount to Return field will automatically change to the sum of the three fields. You are
allowed to change the total, but the sum of the subtotal, tax and shipping amount must equal
the Total amount; if it doesn’t, you will get an error when you click the Continue button.
2.3.4 Crediting a Customer’s Credit Card
Sometimes you need to credit a customer’s card for an order that occurred outside the
Internet
Payment Gateway. Because there is some inherent risk of fraud with a credit, not every
merchant has permission to perform credit transactions. If you do not see the Credit function
listed in the Side Menu Box of your Virtual Terminal section, you do not currently have
permission to perform a credit. Contact your processor’s merchant services department to
enable the function if you need it and do not have it.
If you indeed need to do a credit against an order received elsewhere, click on Credit to bring
up the Credit page with several entry fields. Fill the appropriate and required fields for your
credit, then click on the Continue button.
Once you click the Continue button, if all entries in the form were valid, another page will
appear asking you to confirm the information. If everything is okay, click on the Submit
button; otherwise, click on the Back button to make the appropriate changes. (If any fields
are missing or incorrect, the Credit page will reappear with an error message at the top and
the incorrect/missing fields flagged with a warning graphic. Make the appropriate changes
then click the Continue button again. A confirmation page should appear. Review the
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information, then click the Submit button. A final Transaction Results page will appear,
indicating whether the transaction was approved or declined and reiterating all the
transaction information.
2.3.5 Voiding Orders
If an order has not yet been settled, you have the capability to void the order. The process for
voiding orders is as follows:
1. Click on the Reports button on the Main Menu Bar,
2. If you wish to void credit card orders, click on the View Credit Card Batches link in the Side
Menu Box
3. Specify Time Period:—Select any of the named time periods or enter a specific
range of dates.
4. Click on the Submit Query button. The batch report will appear.
5. Click on the words Current Batch to bring up the Current Batch report.
6. Select the orders you wish to void by clicking on the corresponding checkboxes in the leftmost
column.
7. Click on the Void Selected Orders button at the bottom of the page.
8. A page showing the results will appear. Each order you chose to void should show on the
list.
You can only void orders which have not yet settled. If you should notice any orders in the
Current Batch list with a transaction approval code of YTEST, we recommend you void them
before your batch is submitted for processing.
3 Reports
Use Reports to view your store's transactions from several different perspectives and to
perform some administrative tasks.
Viewing Reports
To view the reports, click on the Reports button on the Main Menu Bar. The Reports Main
Menu for your store is displayed in the Side Menu Box and in the main content portion of the
screen. The reports available are listed below.
• Transaction Charts—shows transactions in bar, pie, or line charts.
• Orders—shows all successful orders by specific time period, by credit card number
and time, by order number, or by user ID and time. You also have the option to show
only unshipped orders.
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• Transactions—shows all transactions by time period, by credit card number and time,
order number, User ID and time or by transaction type and time.
• Transactions Summary—shows a summary of approved and declined AUTH and
SALE transactions and a summary of approved AUTH and SALE transactions by
card type.
• Credit Card Batches Report—lets you view credit card batches processed during a
specified time period.
• Active Periodic Bills—shows information about recurring transactions and allows you
to modify them.
Credit Card Numbers
As a security feature, only the first four and last four digits of credit card numbers are
displayed in the reports. These Credit Card Identification (CCID) numbers are often active
links that can be selected to display information about all transactions involving the selected
card number.
Downloading Report Data
To download the data from any of the reports for use with your own accounting tool, follow
the steps below:
1. Bring up the report which contains the data you wish to download.
2. Locate the Export All Data button located at the bottom of the page.
3. Select your desired format from the dropdown list. Choose either CSV (Comma delimited)
or XML format. CSV lists are suitable for importing into most common spreadsheets or
databases. XML format is helpful for applications that allow you to import XML.
4. Click on the Export All Data button to download the data. Depending on your browser, a
File Download dialogue box will most likely appear, asking what you would like to do to the
file (Open, Save, or Cancel). If you choose Open, the file will open in the application that is
assigned to that type of file. Choosing Save will ask you to choose a location where you wish
to save the file.
Regardless of the number of pages in the report, all report data will be included in the
downloaded file.
3.1 Viewing Transaction Charts
The First Data Internet Payment Gateway offers four graphical chart types, which are helpful
for visualising orders and sales, and for when you need charts for a presentation. To view
your orders in chart format, follow the steps below.
1. Click on the Reports button in the Main Menu Bar.
2. Click on the Transaction Charts link in the Side Menu Box or the main content area. The
View Transaction Charts screen appears.
3. Select Chart Type: select an option. You can view your transactions in a bar chart, a pie
chart, a line chart, or you can view a bar chart summary report.
4. Select Transaction Types: select any of the listed transaction types or click on the All
checkbox in the separator bar if you would like to view all the transaction types.
5. Specify Time Period: select any of the named time periods or enter a specific range of
dates you wish to view.
6. Select Hierarchy: choose whether you wish to view all stores below you in the hierarchy or
a subset by choosing an option in the dropdown menu. (This option only appears if you are
logged in as a multi-store administrator.)
7. Click on the Submit button to view the report. If you want to re-enter the information, click
on the Reset button to clear the information.
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Chart Types
Depending on which type of chart you chose, the chart which appears will look different.
The chart types available are listed below:
• Detailed Bar Chart
The Detailed Bar Chart report shows the transaction totals by type in a bar chart
format. Each transaction type is shown in a different colour. For each month in the
specified timeframe, there is a row of coloured bars showing transaction totals for that
month. At the bottom of the chart, a table shows summary statistics for each type of
transaction. Hold your mouse over any coloured bar to see the total exact amount of
transactions of that type. Clicking on the bar will bring up a detailed Transactions
Processed report for that transaction type. (For more information on viewing detailed
transaction reports, see Viewing Transactions.) Click on the coloured boxes in the
legend on the right to see individual bar chart reports for the selected transaction
type. Right click on any of the charts to save that chart as a graphic in jpeg format.
You can then import the graphic into your presentations or documents as needed.
• Summary Bar Chart
The Summary Bar Chart report shows the transaction totals by type in a bar chart
format. Each transaction type is shown in a different colour. Each coloured bar
represents the total amount of all transactions of that type over the entire timeframe
specified. At the bottom of the chart, a table shows summary statistics for each type
of transaction. Hold your mouse over any coloured bar to see the total exact amount
of transactions of that type. Clicking on a coloured bar will bring up a detailed
Transactions Processed report for that transaction type. (For more information on
viewing detailed transaction reports, see Viewing Transactions.) Right click on any of
the charts to save that chart as a graphic in jpeg format. You can then import the
graphic into your presentations or documents as needed.
• Pie Chart
The Pie Chart report shows the transaction totals by type in a pie chart format. Each
transaction type is shown in a different colour. At the bottom of the chart, a table
shows summary statistics for each type of transaction. Hold your mouse over any
coloured pie piece to see the total exact currency amount of transactions of that type.
Clicking on a pie piece will bring up a detailed Transactions Processed report for that
transaction type. Right click on any of the charts to save that chart as a graphic in
jpeg format. You can then import the graphic into your presentations or documents as
needed.
• Line Chart
The Line Chart report shows the transaction totals by type in a line chart format. Each
transaction type is shown in a different colour. Each coloured line represents the total
amount of all tranasactions of that type. At the bottom of the chart, a table shows
summary statistics for each type of transaction. Click on any of the legend boxes to
see a line chart for that transaction type alone. Right click on any of the charts to save
that chart as a graphic in jpeg format. You can then import the graphic into your
presentations or documents as needed.
3.2 View Orders Report
To view your orders, you need to use the Orders Received report. Generate an orders report
by following the steps below.
1. Click on the Reports button in the Main Menu Bar.
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2. Click on the Orders link in the Side Menu Box or the main content area. The View Orders
screen appears.
3. Display Orders: select an option. You can view orders sorted by time period, by credit card
number and time, by User ID and time, or by order number.
4. Specify Time Period: select any of the named time periods or enter a specific range of
dates you wish to view.
5. Options: click on a box if you want the report to show only unshipped orders or to show
only approved orders. By default, the Only Show Unshipped Orders box is unchecked and
the Only Show Approved Orders box is checked, so the report will show approved orders
only (both shipped and unshipped). If the Only Show Unshipped Orders box is checked, the
report will show all unshipped orders. If both boxes are unchecked, the report will display all
orders (both shipped and unshipped), including declined and recurring transactions with
future start dates. If both boxes are checked, the report will show only all approved,
unshipped orders.
6. Display Preference: this option allows you to choose how many orders will appear on each
page of the report. Choose a number from the dropdown list.
7. Select Hierarchy: choose whether you wish to view all stores below you in the hierarchy or
a subset by choosing an option in the dropdown menu. (This option only appears if you are
logged in as a multi-store administrator.)
8. Click on the Submit Query button to view the report. If you want to re-enter the information,
click on the Reset button to clear the information.
The Orders Received report shows the following information about each order.
• Select—click on the associated Select checkbox to select one or more orders.
• Shipped—shows Y if the order has been shipped, or N if the order has not yet been
marked as shipped.
• Retail—shows Y if the order was a retail order, or N if the order was not retail.
• Order #—the number associated with this order. Click on the order number to view
order details.
• User ID—if there is a user ID number associated with the order, it will be listed in this
column. The number is also a link to view all the orders placed by a particular
customer.
• Date—the date that the order was placed. Shows the most recent order first. The time
period you selected for the report will be shown under the report title.
• Name—the name of the person who placed the order. Click on the name to send
email to this customer.
• Amount—shows the amount and currency of the order. The total amount of the
orders listed on the page and the total amount of all orders in this report is also
shown at the bottom of the page, along with the total tax and shipping charges
collected.
3.2.1 Confirming Shipment, Crediting Orders, or Rejecting Orders
You can confirm shipment, credit the entire amount of the order(s), or reject order(s) by IP
address or credit card number. To perform any of these three tasks, follow the steps below:
1. First select order(s) by clicking on the associated checkbox(es) in the left-most column.
2. Click on the Work with Selected Orders button. The Selected Order Menu screen appears.
3. Select an action by clicking on the appropriate radio button. If you select Reject Order, you
must also check on a checkbox to choose whether you wish to reject this order by IP address
or by credit card number. When you reject an order by IP address, all future orders from this
IP address will be declined. When you reject an order by credit card number, all future orders
using this credit card number will be declined.
4. Click on the Submit Query button to complete the task. A screen listing the results will
appear.
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If you choose to reject an order by IP address or credit card number, you will find yourself at
the Fraud Settings page, which will show you all the IP addresses and credit card numbers
you have currently blocked from purchasing at your store. The IP addresses or credit card
numbers from the order(s) you just blocked should appear on this list. To block more
transactions or to un-block any IP address or credit card number, click on one of the links
located towards the top of this screen, just under the title Your Fraud Settings. For more
information on changing your fraud protection settings, see Preventing Fraud.
3.2.2 Viewing details
View the details of any order by clicking on the associated Order #. Details will be shown in
the Order Detail Report.
View all orders placed by a specific customer by clicking on the User ID link. This column will
only be filled in if you have entered a unique Customer ID Number for each customer when
entering orders.
If there are more orders in the report than will fit on the current page (according to the
number of orders you've chosen to show on each page), a set of numbers will appear at the
bottom of the page, reflecting page numbers for the report. The current page number will be
larger than the others and will not be underlined. To view any page, click on the associated
underlined page number.
3.3 Order Detail Report
To view this report, click on the Reports button on the Main Menu Bar, then click on the
Orders link in the Left Menu Box.
Select the appropriate parameters for your query, then click the Submit Query button.
Once the Orders Report appears, you can view an order's detailed report by clicking on
the associated Order # link.
The Order Detail Report allows you to:
• View the details associated with that order.
• E-mail the customer by clicking on the Name or E-mail link.
• Do a return against this order.
• View all the orders associated with the credit card number by clicking on the Card
Number link.
The Order Detail report has several sections which show the following information:
• The Order ID Number and Order Date/Time are shown at the top of the report.
• Billing Address section—gives the User ID, shipping status, and the customer's
company, name and address. If the customer's name and e-mail address were
supplied, you can click on the customer's name to send an e-mail to the customer.
• Shipping Address section—shows the name, address to which the order was
shipped.
• Contact Information section—shows the customer's telephone number, e-mail
address, fax number and IP address. If an e-mail address was supplied, you can click
on the customer's e-mail address to send an e-mail to the customer.
• The next part of the report includes subtotal, shipping, tax, return (if applicable) and
total amounts.
• The last portion of the report is a transaction history which shows all transactions
related to this order (including authorisations, sales, returns, tickets, etc.) The
summary information shown here includes date, user ID, type of transaction, the card
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number, the expiration date, approval code, the amount of the transaction, and
comments.
• The Return Order button at the bottom of the report allows you to do a return against
this order. Enter the amount to refund to the customer in the box next to the Return
Order button at the bottom of the page. The amount you enter must be equal to the
total amount of the order. To process the return, click on the Return Order button. To
return to the Reports Main Menu, click on the Reports Main button on the bottom of
this report.
3.3.1 Viewing Transactions
To view all your transactions, use the Transactions Processed report. Follow the steps
outlined below to see this report.
1. Click on the Reports button on the Main Menu Bar.
2. Click on View Transactions in the Side Menu Box or the main content area.
3. Display Transactions—select an option. You can view transactions sorted by time period,
by credit card number and time, by User ID and time, by transaction type and time, or by
order number.
4. Specify Time Period—select any of the named time periods or enter a specific range of
dates you wish to view.
5. Select Hierarchy: choose whether you wish to view all stores below you in the hierarchy or
a subset by choosing an option in the dropdown menu. (This option only appears if you are
logged in as a multi-store administrator.)
6. Submit Query—click to view the report.
To re-enter the information, click on the Reset button to clear the information.
The Transactions Processed report shows the following information about each transaction.
The time period you selected for the report will be shown just under the report title.
• Order number—shows the number associated with each order.
• Date—shows the date and time of each transaction, from the most recent order to the
oldest order.
• User ID—if there is a user ID number associated with the order, it will be listed in this
column. The number is also a link to view all the orders placed by a particular
customer.
• Type—shows the type of transaction.
• PayerAuth—shows details about authentication (3D Secure/giropay)
• Customer #—shows the Customer ID that has been assigned when entering the
transaction
• Card/Account Number—shows a link to view all transactions processed with that card
or account number.
• Exp. Date—lists the expiry date of the card.
• Approval—shows the approval code of the transaction. If a specific transaction was
declined, the reason it was declined is shown here.
• Amount—shows the amount and currency of the transaction
3.3.2 Viewing details
View the details of any order by clicking on the associated Order #.
View a list of all the numbers associated with any credit card number or routing number by
clicking on the associated Card/Route Number.
View all orders placed by a specific customer by clicking on the User ID link. This column will
only be filled in if you have entered a unique Customer ID Number for each customer when
entering orders.
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Viewing the Rest of the Data
If there are more transactions than will fit on the current page (according to the number of
transactions you've chosen to show on each page), a set of numbers will appear at the
bottom of the page, reflecting page numbers for the report. The current page number will be
larger than the others and will not be underlined. To view any page, click on the associated
underlined page number.
3.4 Transactions Summary Report
To view this report, click on the Reports button on the Main Menu Bar, then click on
Transactions Summary in the Side Menu Box.
Choose from the following options to view your report:
1. Display Transactions Summary—select options. You can enter a specific User ID or select
specific transaction types and/or card types to include in the report.
2. Specify Time Period—select any of the named time periods or enter a specific range of
dates you wish to view.
3. Display Preference-choose the number of things you wish to display on one page by
clicking on the dropdown box and selecting the number desired. The default is 25.
4. Select Hierarchy: choose whether you wish to view all stores below you in the hierarchy or
a subset by choosing an option in the dropdown menu. (This option only appears if you are
logged in as a multi-store administrator.)
5. Submit Query—click to view the report.
If you want to re-enter the information, click on the Reset button to clear the information.
Authorisation Summary Table
The first table that appears in the Transactions Summary report shows the following
summary information for each selected transaction type over the time period specified.
• Approved—shows the total number of approved transactions of that type and the total
amount for all approved transactions of that type.
• Declined—shows the total number of declined transactions of that type and the total
amount for all declined transactions of that type.
• Total—shows the total number of transactions of that type and the total amount for all
transactions of that type.
The totals for each column are listed at the bottom of the table.
Approved Summary Table
The second table that appears in the Transactions Summary report shows the following
summary information for each selected payment type over the time period specified.
• #—shows the total number of approved transactions for that payment type.
• Amount—shows the total amount for approved transactions of that payment type.
• Total—shows the total number of transactions of that type and the total amount for all
transactions of that type.
The totals for each column are listed at the bottom of the table.
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4 Customising
4.1 Customising Virtual Terminal Content
Your First Data Virtual Terminal has many possible input fields that you can use, but very few
of them are really required. Most of the fields available are there to help you gather
information about your transactions. Since we don't know which ones are helpful for you, we
let you choose which ones you want to use.
To simplify your ordering process, you can take the ones you don't use off your entry pages.
You make these choices by clicking on Customisation in the Main Menu Bar, then on POS
Content in the Side Menu Box. A page will appear which contains a table, listing all the fields
you may choose from. Some of the fields cannot be removed from the page; if this is the
case, they either do not appear in the listing, or they may appear in the listing with a checked
graphic in front of
them, rather than a checkbox which you can check or uncheck.
You might notice that not all the input fields appear on this page. Some fields are always
required to process a transaction (for example, the credit card number is always required for
a credit card purchase). Since these fields must always appear on your entry pages and they
are always required, they are not customisable.
The first time you visit this page, you may notice that all the checkboxes on the left side of
the table (preceding the field names) are checked by default. This is your chance to turn
things off (and back on)! Simply click on the checkboxes (thereby deselecting them) to take
those fields off of your entry pages. Once you've finished your selections, click on the Submit
button on the bottom of the page. To put back any of the fields you removed, simply recheck
the box preceding the field names (to select them) and click the Submit button again. You
should see a confirmation message at the top of the page if the change was successful.
If you wish to restore the default settings, click on the Get Defaults button at the bottom of
the page, then click on the Submit button to submit these settings to our server. Again, a
confirmation message should appear.
If you uncheck all the boxes within a particular section, the entire section will disappear from
your POS pages. For example, if you deselect both Ship-to Name and Address and Shipping
Type, the Shipping section will not appear at all on your entry pages.
This same page also allows you to change which fields are required. If, for example, you
require an e-mail address for all your customers, you can make e-mail address a required
field by checking the appropriate box in the Required column. Make your selections, then
click on the Submit button at the bottom of the page. There are a few fields which cannot be
made required: all fields related to Items and Recurring Payments. The Total Amount of the
order is always required, so you are not allowed to change this either.
Another timesaving feature you might want to use is setting a default value for your fields.
For example, if you consistently have sales of the same amount, you might want to set the
default value of Total Amount to that specific amount. When you process an order with the
Internet Payment Gateway, then, the Total Amount will already be pre-filled with your usual
total.
If you commonly have the same transaction origin (for example, all mail orders), it's handy to
enter a default for Transaction Origin as well.
To set a default value for one of the fields, simply enter the value you would like it to be
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in the appropriate textbox in the Default column, then click the Submit button. A confirmation
message should appear.
4.2 Customising Your Receipts
When you enter orders into the First Data Virtual Terminal, you have the option to show and
print a receipt from the final transaction screen. You can print this receipt and give it to your
customers as a sales receipt.
To customise your receipt, follow the steps outlined below.
1. Click on Customisation on the Main Menu Bar.
2. Click on Receipt in the Side Menu Box.
3. Choose the type of printer you use by clicking on the appropriate radio button in the Printer
Type section at the top of this page. If you use any printer other than the PrintPoint 3000, you
should leave the selection at Normal.
4. Enter up to 24 characters in the Receipt Header textbox. This text will appear towards the
top of your receipt.
5. Enter up to 24 characters in the Receipt Footer textbox. This text will appear at the bottom
of your receipt.
6. No matter which type of printer you are using, you can also include a Return Policy, which
will appear at the bottom of your receipts, just before the receipt footer. Enter your return
policy in the text area at the bottom of this screen.
7. Click on the Submit button.
8. If your change was successful, a message should appear at the top of the screen. If this
message does not appear, you should click on the Submit button again to re-attempt the
change.
Whenever you return to this screen, your current customised text should appear in the
Receipt Header, Receipt Footer, and Return Policy text boxes.
4.3 Configuring your First Data Connect Settings
The information contained in this section is applicable only if you are using First Data
Connect.
The Connect Settings form contains some critical fields you must fill out in order for your
order submission process to complete successfully, and return customised status information
to your customers.
To view this form:
1. Logon to First Data Virtual Terminal
2. Click on Customisation in the Main Menu Bar.
3. Click on Settings in the Side Menu Box.
Below is an explanation of each of the form fields for the Connect Settings form.
4.3.1 Order Submission Form URL
This is the critical part of the form. We need to know where (i.e., the web address for) your
order form(s) are located. When we receive an order for your store, we check that it is
coming from one of your order submission form URLs. If it does not match, the order is
automatically declined.
Enter the URL for each order form on your web site in this box, separated by spaces.
Examples of order submission URLs are shown below. Examples are also provided on the
form above the field as a convenient reference when you are entering your data.
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Nonsecure Web Server Example
If your web site resides on a regular, NON-Secure web server and the order form is an HTML
page, the URL might look like the following example:
http:// www.yourserver.com /yourstorename /yourorderform.HTML
1. http//: indicates a NON-Secure server
2. www.yourserver.com is the name of your web server
3. yourstorename is the name of your online store
4. yourorderform.HTML is the name of the file from which orders are submitted by
customers.
SECURE Web Server Example
If your web site resides on a SECURE web server and the order form is an HTML page, the
URL might look like the following example:
https:// www.yourserver.com /yourstorename /yourorderform.HTML
1. https//: indicates a SECURE server
2. www.yourserver.com is the name of your web server
3. yourstorename is the name of your online store
4. yourorderform.HTML is the name of the file from which orders are submitted by
customers.
CGI Script
If your web site resides on a NON-SECURE web server and the order form is a CGI script,
the
URL might look like the following example:
http:// www.yourserver.com /yourstorename /yourorderform.cgi
1. http//: indicates a NON-SECURE server
2. www.yourserver.com is the name of your web server
3. yourstorename is the name of your online store
4. yourorderform.cgi is the name of the CGI script that submits the orders
4.3.2 Confirmation Page URL
This is where you tell us where to send your customers after a successful transaction. The
URL format is similar to the order submission form URL format (see examples above). If you
do not supply a URL in this field, the default receipt page will contain no links, and customers
will have to use the browser's back button to navigate back to your site.
If the URL is a CGI binary or script, you can select the CGI option. By checking this box, you
tell us to post the results of each approved transaction to this URL. This gives you the
opportunity to collect and store the order data.
If you want us to display this URL automatically after the receipt page, check the box that
says Automatically display specified URL after the First Data Connect receipt page. If you
check this box, the Connect transaction result page will show momentarily before the
customer is forwarded to your thank you page.
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4.3.3 Failure Page URL
You may want to link non-approved customers (customers whose credit card transactions
were declined) to a specific page on your web site where they will find information on how to
get in contact with you by e-mail or by phone. In this section of the screen, you may want to
supply the URL for a "Sorry" page where you can invite the customer to contact you to make
other payment arrangements.
Just as in the Confirmation Page URL, if you do not supply a URL in this field, the default
sorry page will contain no links, and customers will have to use the browser's back button to
navigate back to your site. The URL format is again similar to the Order Submission Form
URL format (see the examples above).
If the URL is a CGI binary or script, you can select the CGI option. By checking this box, you
tell us to post the results of each declined transaction to this URL. This gives you the
opportunity to collect and store the transaction data.
If you want us to display this URL automatically after the receipt page, check the box that
says Automatically display specified URL after the First Data Connect receipt page. If you
check this box, the Connect transaction result page will show momentarily before the
customer is forwarded to your sorry page.
4.4 Customising the payment First Data Connect page design
If you use the hosted payment forms of First Data Connect, you can customise the design of
these pages to align it with your shop or corporate design.
Choose the Connect Pages link from the Customisation section to individually define the
following elements:
• Background colours of different page areas
• Font type, size, colour and weight for headlines
• Font type, size, colour and weight for field tags
• Font type, size, colour and weight for normal text
• Colour and background colour for buttons
• Font type, size, colour and weight for button text
• Font type, size, colour and weight for hyperlinks
• Font type, size, colour and weight for system messages
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Customising the payment page design
The ‘Preview Style’ button at the bottom of the page allows you to check the design changes
you made before saving (preview is in English language).
Also, it is possible to display your individual company logo on these pages. If required,
please contact our technical support team.
5 Fraud Prevention Tools
There are several ways that the First Data Internet Payment Gateway helps you prevent
fraud from interfering with your business success. If certain individuals are continuously
hurting your business with costly charge-backs, you can block them from purchasing at your
store. (Blocking also can help keep your competitors from buying your products.)
We can provide you with the capability to block credit card numbers, names, domain names,
and IP or Class C addresses from purchasing at your store. In addition, two further
capabilities are available, and these are the power to set a limit on the maximum purchase
that can be made at your store, and the ability to set auto lockout and duplicate lockout
times.
To change your fraud settings, select Admin in the Main Menu Bar and then click on Fraud
Settings in the Side Menu Box.
Fraud settings are sequentially ordered, so once you’ve finished with one, you can proceed
to the next fraud setting. There is also a quick navigation bar at the top of each Fraud Setting
page, which allows you to jump immediately to any Fraud Setting.
Here is a list of all the fraud settings that the First Data Virtual Terminal gives you control
over:
• Blocking Credit Card Numbers
• Blocking Names
• Blocking Domain Names
• Blocking Class C and IP Addresses
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• Setting a Maximum Purchase Limit
• Setting Auto lockout times
• Setting Duplicate lockout times
Another way to prevent fraud is by paying close attention to the address verification
response. If the address and/or post-code do not match the card-issuing bank's address on
record, there is a higher probability of fraud.
Furthermore, for your protection, we urge you to regularly use the card code field.
5.1.1 Blocking Credit Card Numbers
The first setting you will encounter when you bring up Fraud Settings is Block Card. Here you
can enter the credit card numbers that you do not wish to allow to purchase at your store.
Fraud prevention: Blocking credit card numbers
If you have any credit card numbers already on your blocked credit cards list, they will
automatically appear in the select box on the right side of the screen when you enter this
page. Bring up Fraud Settings by clicking on Admin in the Main Menu Bar, then on Fraud
Settings in the Side Menu Box.
Adding a card number
To add a card number to your blocked card number list:
1. If the Block Card page is not already displayed, click the Block Card link in the top
navigation found under the main Fraud Settings title.
2. Enter the card number you wish to block in the Card # input box on the left-hand
side of the screen.
3. Then click the Add >> button. Spaces and/or dashes are optional.
4. When you click the Add >> button, the change is submitted to the Internet Payment
Gateway, we add the card number to your list of blocked card numbers, then we regenerate
the page with the new card number in the select box at the right side of the page.
If this blocked card should be used to attempt to purchase anything at your store, the
transaction will be declined because of fraud.
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Add as many card numbers as you like by repeating the same process.
Removing a blocked card number
To remove a blocked card from your list, select the card number in the select box on the right
side of the screen, then click the

Adding a Name
To add a name to your blocked name list, follow these steps:
1. Enter the name in the Name input box on the left-hand side of the screen.
2. Click the Add >> button.
3. When you click the Add >> button, the change is submitted to the Internet Payment
Gateway, we add the name to your list of blocked names, then we regenerate the page with
the new name in the select box at the right side of the page.
If any person with this blocked name should attempt to purchase anything at your store, the
transaction will be declined because of fraud.
Add as many names as you like by repeating the same process. You may want to enter
several different versions of the particular name you wish to block.
Removing a blocked name
To remove a blocked name from your list, select the name in the select box on the right side
of the screen, then click the

Adding a domain name
To add a domain name to your blocked domains list, follow the steps below:
1. Enter the domain name in the Domain name input box on the left-hand side of the screen,
then click the Add >> button. You must enter a domain in valid domain name format (e. g.,
here.com, there.net, savetheworld.org, universityX.edu)
2. Click the Add >> button.
3. When you click the Add >> button, the change is submitted to the Internet Payment
Gateway, we add the domain to your list of blocked domains, then we regenerate the page
with the new domain name in the select box at the right side of the page.
If an individual from this domain attempts to purchase anything at your store, the transaction
will be declined because of fraud.
Add as many domain names as you like by repeating the same process.
Removing a blocked domain name
To remove a blocked domain from your list, select the domain name in the select box on the
right side of the screen, then click the > button.
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3. When you click the Add >> button, the change is submitted to the Internet Payment
Gateway, we add the name to your list of blocked IPs/Class Cs, then we regenerate the page
with the new name in the select box at the right side of the page.
Removing a IP or Class C address
To remove a blocked IP or Class C address from your list, select the address in the select
box on the right side of the screen, then click the

5.1.6 Setting Auto Lockout and Duplicate
Once you’ve finished with the Maximum Purchase Limit and clicked on the Next button, you
will find yourself at the Set Lockout Times page. (Alternatively you can reach this page by
selecting Admin on the Main Menu Bar, then on Fraud Settings in the Side Menu Box, then
clicking on the Auto Lockout link at the top of the page.)
There are two things you can set on this page: the auto lockout time and the duplicate
lockout time.
Auto Lockout time is the amount of time that automatically blocked transactions are
prohibited from trying transactions at your store again.
Duplicate lockout time is the length of time that duplicate transactions are restricted from
your store. That is, if two transactions are identical and they both occur within a length of
time less than the specified duplicate lockout time, they will be automatically blocked as
duplicate transactions.
To change your auto lockout or duplicate lockout time, simply replace the value in the
appropriate input box with the new value and then click on the Submit button.
If you don’t wish to change your lockout times, you can either click on the View All Fraud
Settings button to see all your fraud settings or you can exit the Fraud Settings and return to
the main Admin screen by clicking on the Admin Main button.
5.1.7 Card Security Code information
Mail order and telephone order (MO/TO) and other card-not-present transactions have higher
fraud rates than face-to-face transactions. To help reduce fraud in the card-not-present
environment, credit card companies have introduced a card code programme.
Visa ® calls this code Card Verification Value (CVV); MasterCard ® calls it Card Validation
Code (CVC); American Express calls it 4DBC.
The card security code is a three- or four- digit security code that is printed on the back of
cards (American Express: front of the card). The number typically appears at the end of the
signature panel. This program helps validate that a genuine card is being used during a
transaction.
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Card Security Code information
You enter the card code on the Point-of-Sale screen when processing an order. First Data
then compares the card code against the code on file with the card-issuing bank. Results of
this comparison show in the transaction approval code.
Virtual Terminal: Card Security Code field
To help combat fraud, card-not-present merchants (those who receive orders via mail order,
telephone order, or the Internet) should always enter a card security code (if on the card)
when processing an authorisation. For retail transactions, you may wish to enter the card
security code printed on the card to ensure that the card was not fraudulently reproduced.
A typical transaction result code might look like this. The card security code result is
highlighted.
0097820000019564:YNAM:12345678901234567890123:
The last alphabetic character in the middle (M) is a code indicating whether the card security
code matched the card-issuing bank's code. An "M" indicates that the code matched.
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This code may or may not be present, depending on whether the card security code was
passed and the service was available for the type of card used. Below is a table showing all
the possible return codes and their meanings.
Value
M
N
P
S
U
X
Meaning
Card Security Code Match
Card Security Code does not match
Not processed
Merchant has indicated that the
card security code is not present on
the card
Issuer is not certified and/or has not
provided encryption keys
No response from the credit card
association was received
A blank response should indicate
that no code was sent and that
there was no indication that the
code was not present on the card.
6 User Administration
6.1 Changing your own Password
To change your password in the First Data Virtual Terminal, select Admin on the Main Menu
Bar, then click on Change Password in the Side Menu Box. This will bring up the Change
Password page.
When you first sign up for an account with the First Data Virtual Terminal, you are provided
with a temporary password. The Change Password feature allows you to change that
password and it is a necessary step that everyone must undertake.
The choice of new password is important too. Security specialists recommend that you avoid
using common words or numbers as passwords - especially words or numbers that might be
associated with you, like your name or your date of birth.
One simple approach is to choose a phrase - not a word - that you can remember or look up
easily. Put together the first letter from each word in the phrase and that string of letters
becomes your password. The phrase should consist of at least six words, to produce at least
a six letter password. In addition, the password needs to have at least one numeric
character.
To change your password, type your temporary password into the Old password box, and
then type your new password into the New password box. What you see in the box are
asterisks instead of the letters and numbers that you type, for security reasons—anyone
looking over your shoulder cannot easily see what you have typed. Type the password again,
this time into the second box - this is a commonly–employed precaution against accidentally
mistyping it the first time.
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Changing your password
Click on the Submit button. If you did accidentally mistype your new password - or your old
one - you will be advised that there is an error, and asked to re-enter the information. For
added security, the error message will not specify which entry is at fault. If you successfully
changed your password, you will receive feedback to that effect.
After successfully changing your password, you may choose either to go into the main Admin
section to configure aspects such as Fraud Settings, or you may use any of the menu entries
available either on the Main Menu Bar at the top of the screen or in the Side Menu Box.
6.2 Managing Users
You can have multiple users for one store, which allows multiple employees to process
orders and/or view reports, each of them logging on with their own user ID, password, and
permissions. All users of one store can share the same client certificate.
To add or delete users, you must be logged in on the store's original user account. The
primary user for the store--the user ID and password that was provided when the store
account was set up--is the only user who can add/delete users and assign permissions. No
other users are allowed to add or remove users or assign user permissions. Users who do
not have permissions to manage users will not see the Manage Users option on the Admin
page.
Adding and Deleting Users
To manage users, you first need to get to the Account Manager:
1. Click on Admin on the Main Menu Bar,
2. Then click on Manage Users in the Side Menu Box.
3. The Current Users page will appear.
Now that you are on the current users page, you can add or delete users, reset password,
and/or define permissions for each user.
To add a user:
1. Click on the Add link located at the bottom of the page.
2. The Add User screen will appear.
3. Enter a unique User-ID for the new user in the Enter User-ID text box, then enter a
Password for your new user twice.
4. Click on the Submit button to create the new user.
5. The Current Users list will reappear, showing the new user on the list.
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The user can change their own password when they log in by using the Change Password
utility.
To delete a user:
1. Click on the delete link located next to the user you wish to delete.
2. A dialogue box will appear, stating that this operation will delete the selected user.
3. Click the OK button to delete the user or Cancel if you do not wish to delete the
user.
4. Once the user is deleted, the Current Users screen will refresh, with the deleted user
omitted from the list.
Resetting User Passwords
If a user should forget their password and you need to reset it:
1. Click on the reset password link for the appropriate user.
2. Enter a new password for the user twice, then click the Submit button.
The user can change their temporary password when they log in by using the Change
Password function.
Setting User Permissions
To set permissions for a user:
1. Click on the permissions link associated with the desired user.
2. The Set User Permissions page will appear.
3. In the Permissions portion of the table, click on the appropriate checkboxes to turn on or
off permissions for this user. You can control the user's access to View Reports, Process
Transactions, and/or Issue Credits.
4. Click on the Submit button at the bottom of the page.
5. You will be returned to the Current Users listing. The words "Updated successfully!"
should appear at the top of the page if the change was successful.
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